Job Purpose

To evaluate credit applications for subsequent disbursements on existing approved composite line and mortgages. Identify loan issues and follow-up with Credit Operations and IT department for the resolution. Validate approved loans list to be charged-off before being sent to Credit Operations for Charge- off.

Main Responsibilities

• Ensure compliance with Bank credit policies, regulatory requirements, and best practices in the appraisal process to minimize credit risk.
• Ensure compliance with service standards as per SLA terms to support business growth and minimize the turnaround time (TAT).
• Review and submit recommendations to the Supervisor on credit applications for subsequent disbursements on Mortgage Loans, Invoice Discount Finance, Local Purchasing Orders, and Bank Guarantees under the existing approved composite line.
• Manage stakeholder relationships, including Corporate, Retail, Credit, Legal, and IT departments.
• Proactively analyze loan issues in the core banking system (T24) and raise them with Credit Operations and IT for resolution.
• Check and validate the approved list to be charged off before submission to Credit Operations for charge-off.
• Ensure accuracy and timeliness in completing all Credit Administration processing.

Daily Responsibilities

• Provide decisions on subsequent disbursement requests assigned by line managers.
• Follow up with IT and Credit Operations to correct loans with irregularities.
• Work closely with consultants on proposed changes in the CBS and analyze developments or modifications to information systems.
• Build strong business relationships with Credit Administration stakeholders, including Corporate, Risk, Credit, and Audit departments (both internal and external), as well as BNR inspectors.
• Submit daily, weekly, and monthly reports of all loans approved and disbursed, including related TAT.

Educational Qualifications and Work Experience

• Bachelor’s degree in any related field.
• Minimum two (2) years’ experience in credit, customer service, or banking operations.